I'm debating with 2 assholes right now, who think 'cause they have penises that I haven't owned numerous vehicles, and don't know what I'm talking about. I am unsure if this question can transfer to Yanks....can't goddamn find a Google answer though, to shut them up, so figured I'd ask here. They are trying to tell me that you don't have to pay first/last on a new insurance policy, for a new vehicle. I've never carried a policy that didn't insist on first/last, if you are going on a month-to-month basis. Please tell me if I need to chew some crow here.